Where and how a vessel is moored can affect the risks it faces. This in turn will influence an underwriter’s assessment of the risk, its rating, terms and conditions. Generally, subject to any specific terms and conditions, insurance covers the vessel ashore and afloat, including hauling and launching.

Different moorings can involve different conditions and limitations, and it is important that these are understood.

Marina berth

This is the preferred mooring for most vessels. In order to promote freedom to use the vessel, it is advisable to have 12 months of ‘in commission’ cover if possible.

With Saga Boat Insurance, if loss or damage occurs while your vessel is ashore or afloat on a pontoon berth in your home marina, you will not have to pay an excess or lose any No Claim Discount.

Dry sailing

Usually, this is not a problem. However, with boats kept on dry land when not in use, certain restrictions may apply regarding the security of the vessel. These will be outlined in the policy wording and any endorsements applied to the policy.

Swinging moorings

The location of a swinging mooring will dictate whether your policy permits the vessel to be left on the mooring throughout the year, or whether it is restricted to certain months. Swinging moorings should be professionally laid, regularly checked and properly maintained. It is also wise to ensure that the person who laid the mooring carries adequate professional indemnity insurance to cover any liabilities. If the mooring area is at all exposed, it is best to attach the vessel using a chain rather than a rope strop. The vessel’s topsides can be protected by covering the chain with a plastic tube.

Laid up

If your policy stipulates a period during which the vessel must not be left on a mooring, this must be strictly adhered to. If you require the vessel to be left on the mooring after the specified lay up date (or it is to be put into the water before the end of the lay up period), the insurer must be advised and agreement obtained in advance. All boat owners must be aware of the implications of the terms and conditions relating to their policy. If you are in any doubt regarding where and how the vessel is to be moored or stored, you should contact the insurer immediately.